No Tax Returns Required

DSCR Loan Program

Scale your real estate portfolio with investor-friendly financing based on property performance, not personal income. Get approved faster with rental income qualifications.

$0 Max Loan Amount
0 Min Credit Score
0 Year Terms
0 LTV Ratio
Understanding DSCR

What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is a specialized financing solution designed for real estate investors who want to grow their portfolio without the traditional employment verification requirements. Instead of analyzing your W-2s, tax returns, or job history, lenders evaluate your property's ability to generate income.

The DSCR is calculated by dividing the property's monthly rental income by its total monthly debt obligations (PITIA: Principal, Interest, Taxes, Insurance, and Association fees). A DSCR of 1.0 means the property breaks even, while anything above 1.0 indicates positive cash flow.

85% of investors prefer DSCR loans for portfolio growth

Quick Approval

Get financing faster with streamlined documentation and property-focused underwriting.

Loan Features

Designed for Investors

Flexible terms and competitive rates tailored to your investment strategy

1.00x
Minimum DSCR
$5M
Max Loan Amount
620
Min Credit Score
1-8
Unit Properties

🏡 Advanced DSCR Calculator

Calculate Debt Service Coverage Ratio for Investment Properties

💰 Rental Income
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🏦 Loan Details
$
📊 Monthly Expenses
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$
$
Total Monthly Payment $0.00
DSCR Ratio 0.00
Eligibility

Who Qualifies?

  • Investment properties only (no primary residences)
  • No tax returns or W-2 verification required
  • Property must be rent-ready or currently rented
  • Individuals, LLCs, and trusts accepted
  • First-time and experienced investors welcome
  • Foreign nationals eligible with restrictions
Pro Tip: Properties with long-term leases often get better rates
Benefits

Why Choose DSCR?

  • Scale your portfolio without income limits
  • Faster approval process
  • Qualify based on property performance, not job
  • Perfect for self-employed investors
  • Multiple properties? No problem!
  • Keep personal finances separate
Portfolio Builders
Ideal for investors with 2+ properties
Process

How to Apply

Simple 4-step process to get your DSCR loan approved

1
Property Selection & Documentation

Choose your investment property and gather basic documents: purchase contract, rental agreement (if applicable), and property details. No tax returns needed!

2
Rental Income Assessment

Submit current lease agreement or provide market rent analysis. Our team will verify the property's income potential using comparable rentals in the area.

3
DSCR Calculation & Underwriting

Lender calculates your DSCR ratio and evaluates the loan. Typical turnaround is 5-7 business days for initial approval decision.

4
Approval & Closing

Receive final approval and move to closing. Most DSCR loans close within 21-30 days. Fund your investment and start generating cash flow!

Required Documents
  • Purchase contract
  • Lease agreement (if rented)
  • Government ID
  • Bank statements (2 months)
  • Property insurance quote
Common Questions

Frequently Asked Questions

No problem! We can use market rent analysis to determine potential rental income. A professional appraisal will include rental income estimates based on comparable properties in your area.

DSCR loans are designed for rental properties and long-term holds. For fix-and-flip projects, consider hard money or bridge loans which are better suited for short-term renovations.

There's typically no limit! Unlike conventional loans which cap at 10 financed properties, DSCR loans allow unlimited portfolio growth since each property is evaluated independently.

Need Help?

Our DSCR specialists are here to guide you through the process

David Kulick NMLS # 1034355
Contact +1 (360) 710-9704
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